Investor Presentaiton

Additional information: Ratings - Composition of Erste Group Bank AG's issuer ratings MOODY'S Macro Profile Strong + S&P Global Ratings SACP Stand-Alone Credit Profile a Fitch Ratings VR Viability Rating (Individual Rating ) a Financial Profile Asset Risk baa2 Anchor bbb+ Capital baa1 Profitability baa3 Business Position Capital & Earnings Strong +1 Adequate 0 Funding Structure Liquid Resources a2 baa1 Risk Position Adequate 0 + Funding Liquidity Above Average +1 Strong Qualitative Factors Business Diversification + 00 Support +1 Opacity, Complexity Corporate Behaviour 0 = BCA Baseline Credit Assessment baa1 ALAC Support +1 GRE Support 0 Affiliate Support 0 Group Support 0 Sovereign Support 0 = Adjusted BCA baa1 + LGF Loss Given Failure Government Support +2 0 Additional Factors = 0 SRF Support Rating Floor NF (No Floor) IDR - Issuer Default Rating Long-Term Outlook / Short-Term A Stable / F1 Senior Unsecured Long-Term Outlook / Short-Term A2 / Stable / P-1 Issuer Credit Rating Long-Term Outlook / Short-Term A+ / Stable / A-1 Status as of 16 December 2021 ERSTEŚ Group Page 49

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